Marathon Bank
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Data as of · sourced from FFIEC call reports. How we update
Marathon Bank is an FDIC-insured savings bank headquartered in Wausau, WI, established in 1902 (FDIC certificate 29745), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $261.1M, up 9.5% from Q2 2025, the 109th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.34% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29745
- Headquarters
- Wausau, WI
- Established
- 1902
- Total assets, Q2 2026
- $261.1M
- Assets vs Q2 2025
- +9.5%
- Tier 1 leverage ratio, Q2 2026
- 15.34%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 275970020
- Holding company
- MARATHON BANCORP, INC.
- Asset rank in state
- 109th of 153 in Wisconsin
Marathon Bank leans heavily on commercial real estate. Its balance sheet stood at $261 million at June 30, 2026, up 9.5% from a year earlier; it is based in Wausau, Wisconsin. It holds commercial real estate loans worth 3.5 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also returns 4.6% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
Costs are the weak spot: it spends about 77 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Marathon Bank reported a return on assets of 0.70%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 2.69%. The figures come from its call report filed with the FFIEC.
Marathon Bank ranks as the 109th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 5.0% to $261.1M, loans rose 2.8% and deposits rose 9.0%. Non-owner-occupied commercial real estate loans made up 38.8% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 30.2%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in WI; its Wausau office books 54% of its branch deposits. Judged on its Q2 2026 call report, Marathon Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 500 Scott St, Wausau, WI 54403
- County
- Marathon
- Metro Area
- Wausau, WI
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1902
- Former names
- Marathon Savings Bank (1993-2018)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $197.8M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- -$296K
- Average total assets
- $254.3M
- Average total loans
- $213.0M
- Average interest-bearing deposits
- $156.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29745
- Fed RSSD
- 596978
- SEC CIK
- 1835385 → filed by MARATHON BANCORP, INC.
- Website
- WWW.MARATHONBANK.COM →
- Parent Holding Company
- MARATHON BANCORP, INC. (RSSD 5557518) · MBBC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Nicholas W Zillges | CEO | President and CEO |
| Joy Selting-Buchberger | CFO | SVP and CFO |
| Michelle Knopf | COO | EVP and COO |
| Terry Cornish | CCO | SVP and CCO |
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Marathon Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Marathon Bank's total assets ran between $216.2M (Q3 2024) and $261.1M (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$261.1M total assets against $238.4M; $222.5M total liabilities against $202.6M.
$217.4M net loans and leases against $200.4M; $197.8M total deposits against $183.4M.
$4.4M securities against $5.7M; $21.0M cash and balances due against $14.6M.
$3.1M total interest income against $2.6M; $1.0M total interest expense against $913K.
$2.1M net interest income against $1.7M.
$225K total noninterest income against -$186K; $1.8M total noninterest expense against $1.6M.
$37K provision for credit losses against $95K.
$443K net income against -$64K.
0.70% return on assets against -0.11%; 3.56% net interest margin against 3.13%.
15.34% tier 1 leverage ratio against 15.21%.
Inside the full Marathon Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Marathon Bank rankings
Its closest position to the top of a national ranking is 1,964 of 3,640, for Texas Ratio; its furthest is 3,134 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.11% (Q2 2025) to 0.96% (Q4 2025) and its net interest margin ran from 2.79% (Q3 2024) to 3.56% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.34% | 0.70% | 0.03% | 2.69% | 3.56% |
| Q1 2026 | 15.35% | 0.88% | 0.09% | 3.05% | 3.49% |
| Q4 2025 | 15.27% | 0.96% | 0.09% | 3.10% | 3.54% |
| Q3 2025 | 15.04% | 0.80% | 0.09% | 3.16% | 3.37% |
| Q2 2025 | 15.21% | -0.11% | 0.03% | 2.89% | 3.13% |
| Q1 2025 | 13.42% | 0.29% | 0.00% | 4.49% | 2.85% |
| Q4 2024 | 13.64% | 0.14% | 0.00% | 4.53% | 2.79% |
| Q3 2024 | 13.42% | 0.32% | 0.00% | 4.55% | 2.79% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Marathon Bank (main office) | Wausau , WI | 54403 | $107.3M |
| Mosinee Branch | Mosinee , WI | 54455 | $32.6M |
| Rothschild Branch | Rothschild , WI | 54474 | $22.9M |
| Mequon Branch | Mequon , WI | 53092 | $21.9M |
| Brookfield Branch | Brookfield , WI | 53045 | $13.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (Federal Reserve); 1 against individuals associated with it
- May 20, 2003, Federal Reserve: Written Agreement: The Marathon Bank, Winchester, VA
- January 28, 1992, Federal Reserve: Written Agreement: Marathon Bank, Stephens City, VA
- Period: Most recent institution action May 20, 2003. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in WI, rank 123 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 76 applications, 63 loans originated, $39.7M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $262K approved, $88K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Marathon Bank
What are Marathon Bank's total assets?
As of the Q2 2026 filing, Marathon Bank reported total assets of $261.1 million in its FFIEC call report.
Where is Marathon Bank headquartered?
It is headquartered in Wausau, WI, United States.
When was Marathon Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Marathon Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #29745). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Marathon Bank?
Marathon Bank's primary federal regulator is the FDIC.
How many branches does Marathon Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Marathon Bank's Texas Ratio?
Its Texas Ratio is 2.69% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Marathon Bank previously called?
The charter now named Marathon Bank has also operated as Marathon Savings Bank (1993-2018), per FDIC structure-change records.
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